Isabella Bank Statistics
Total Valuation
Isabella Bank has a market cap or net worth of $308.33 million. The enterprise value is $401.30 million.
| Market Cap | 308.33M |
| Enterprise Value | 401.30M |
Important Dates
The next estimated earnings date is Thursday, July 23, 2026, after market close.
| Earnings Date | Jul 23, 2026 |
| Ex-Dividend Date | Jun 26, 2026 |
Share Statistics
Isabella Bank has 7.33 million shares outstanding. The number of shares has decreased by -1.39% in one year.
| Current Share Class | 7.33M |
| Shares Outstanding | 7.33M |
| Shares Change (YoY) | -1.39% |
| Shares Change (QoQ) | -0.23% |
| Owned by Insiders (%) | 7.49% |
| Owned by Institutions (%) | 13.82% |
| Float | 6.78M |
Valuation Ratios
The trailing PE ratio is 15.51 and the forward PE ratio is 11.09.
| PE Ratio | 15.51 |
| Forward PE | 11.09 |
| PS Ratio | 3.78 |
| Forward PS | 3.24 |
| PB Ratio | 1.32 |
| P/TBV Ratio | 1.66 |
| P/FCF Ratio | 13.45 |
| P/OCF Ratio | 11.88 |
| PEG Ratio | n/a |
Enterprise Valuation
| EV / Earnings | 20.11 |
| EV / Sales | 4.92 |
| EV / EBITDA | n/a |
| EV / EBIT | n/a |
| EV / FCF | 17.51 |
Financial Position
| Current Ratio | n/a |
| Quick Ratio | n/a |
| Debt / Equity | n/a |
| Debt / EBITDA | n/a |
| Debt / FCF | 6.24 |
| Interest Coverage | n/a |
Financial Efficiency
Return on equity (ROE) is 8.88%.
| Return on Equity (ROE) | 8.88% |
| Return on Assets (ROA) | 0.92% |
| Return on Invested Capital (ROIC) | n/a |
| Return on Capital Employed (ROCE) | n/a |
| Weighted Average Cost of Capital (WACC) | 2.99% |
| Revenue Per Employee | $215,177 |
| Profits Per Employee | $52,646 |
| Employee Count | 379 |
| Asset Turnover | n/a |
| Inventory Turnover | n/a |
Taxes
In the past 12 months, Isabella Bank has paid $5.29 million in taxes.
| Income Tax | 5.29M |
| Effective Tax Rate | 20.94% |
Stock Price Statistics
The stock price has increased by +31.20% in the last 52 weeks. The beta is 0.02, so Isabella Bank's price volatility has been lower than the market average.
| Beta (5Y) | 0.02 |
| 52-Week Price Change | +31.20% |
| 50-Day Moving Average | 43.30 |
| 200-Day Moving Average | 43.43 |
| Relative Strength Index (RSI) | 49.31 |
| Average Volume (20 Days) | 32,367 |
Short Selling Information
The latest short interest is 181,930, so 2.48% of the outstanding shares have been sold short.
| Short Interest | 181,930 |
| Short Previous Month | 181,495 |
| Short % of Shares Out | 2.48% |
| Short % of Float | 2.68% |
| Short Ratio (days to cover) | 7.79 |
Income Statement
In the last 12 months, Isabella Bank had revenue of $81.55 million and earned $19.95 million in profits. Earnings per share was $2.71.
| Revenue | 81.55M |
| Gross Profit | 81.55M |
| Operating Income | 26.42M |
| Pretax Income | 25.24M |
| Net Income | 19.95M |
| EBITDA | n/a |
| EBIT | n/a |
| Earnings Per Share (EPS) | $2.71 |
Balance Sheet
The company has $50.11 million in cash and $143.07 million in debt, with a net cash position of -$92.96 million or -$12.68 per share.
| Cash & Cash Equivalents | 50.11M |
| Total Debt | 143.07M |
| Net Cash | -92.96M |
| Net Cash Per Share | -$12.68 |
| Equity (Book Value) | 233.96M |
| Book Value Per Share | 31.90 |
| Working Capital | -1.92B |
Cash Flow
In the last 12 months, operating cash flow was $25.95 million and capital expenditures -$3.03 million, giving a free cash flow of $22.92 million.
| Operating Cash Flow | 25.95M |
| Capital Expenditures | -3.03M |
| Depreciation & Amortization | n/a |
| Net Borrowing | 66.22M |
| Free Cash Flow | 22.92M |
| FCF Per Share | $3.13 |
Margins
| Gross Margin | n/a |
| Operating Margin | 32.40% |
| Pretax Margin | 30.95% |
| Profit Margin | 24.47% |
| EBITDA Margin | n/a |
| EBIT Margin | n/a |
| FCF Margin | 28.10% |
Dividends & Yields
This stock pays an annual dividend of $1.12, which amounts to a dividend yield of 2.66%.
| Dividend Per Share | $1.12 |
| Dividend Yield | 2.66% |
| Dividend Growth (YoY) | n/a |
| Years of Dividend Growth | n/a |
| Payout Ratio | 41.31% |
| Buyback Yield | 1.39% |
| Shareholder Yield | 4.05% |
| Earnings Yield | 6.47% |
| FCF Yield | 7.43% |
Analyst Forecast
The average price target for Isabella Bank is $47.00, which is 11.77% higher than the current price. The consensus rating is "Hold".
| Price Target | $47.00 |
| Price Target Difference | 11.77% |
| Analyst Consensus | Hold |
| Analyst Count | 1 |
| Revenue Growth Forecast (3Y) | n/a |
| EPS Growth Forecast (3Y) | n/a |
Fair Value
There are several formulas that can be used to estimate the intrinsic value of a stock.
| Lynch Fair Value | |
| Lynch Upside | |
| Graham Number | |
| Graham Upside |
Stock Splits
The last stock split was on March 11, 2008. It was a forward split with a ratio of 1.1:1.
| Last Split Date | Mar 11, 2008 |
| Split Type | Forward |
| Split Ratio | 1.1:1 |
Scores
| Altman Z-Score | n/a |
| Piotroski F-Score | 4 |